Metlife Homeowners Insurance

I need to learn more about MetLife homeowners insurance.

Metlife Homeowners InsuranceHow can I lower my MetLife homeowners insurance premiums?

There are a few ways you can save on your MetLife homeowners insurance with MetLife Auto & Home®.

  • Bundle your auto and home insurance. Consider purchasing a Metlife homeowners insurance policy with an auto policy from MetLife Auto & Home—it could save you up to 10%.
  • Consider choosing a higher deductible. The higher your deductible, the lower your premium. But in the case of a loss, always make sure that you’re financially able to pay your deductible.
  • Your premiums will be lower if your home has fire prevention systems, such as fire alarms, smoke detectors, automatic sprinkler systems, and fire extinguishers. Theft prevention systems, like deadbolt locks and central burglar alarms, may also qualify you for discounts.
I’ve never had an insurance claim. Shouldn’t my home insurance costs be going down?

Your insurance costs can still rise over time, even if you’ve never had a claim.  However, it’s probably rising slower than for people who submit claims.  Premiums are based on a variety of factors in addition to loss history, including:

  • Your home’s type of construction and age.
  • When it’s time to replace or rebuild your home, both the cost of materials and regional labor costs are taken into consideration for this.
  • Where you live can affect your rates. Is there a high risk of wildfires? Hurricanes? Is your home in a high crime area? Insurance companies monitor weather patterns, how quickly a fire department can get to a home, how close the nearest hydrant is to a property, as well as loss statistics in your area, among other factors which bear on past and prospective expenses and loss experience.
  • Fraud. Sadly, fraud and increased lawsuits contribute to rising insurance costs.

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